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CITY LENDING INC.
Independent Mortgage Company|Vienna, VA|Multi-Region
Loans Originated
1,004
Applications
1,375
Volume
$371 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.877%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$5,139
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Things to Think About
- Rates typically 88 basis points above market average
- Higher than average fees ($5,139)
Report Card
CITY LENDING INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 12 metro areas · 19 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$370,129
Average Borrower Income
$106,933
Average Property Value
$418,516
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Mediocre | Sound | 487 | 48.5% | +0.797% | $5,309 |
FHA Loans | Sound | Strong | Mediocre | Exceptional | 504 | 50.2% | +0.928% | $5,048 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Mediocre | Strong | 925 | 92.1% | +0.914% | $5,276 |
Refinance | Sound | Sound | Acceptable | Sound | 79 | 7.9% | +0.434% | $3,494 |
Geographic Coverage
Metro Areas
11
States Served
19
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
CACTDCDEFLILINLAMDMONCNJORPATNTXVAWAWV
Top Metro Areas by Place Specialization Score
1
Washington, DC, DC-MDMSA
Volume: 172Mix: 17.13%
Place Specialization
Exceptional
2
Arlington, VA-WVMSA
Volume: 301Mix: 29.98%
Place Specialization
Exceptional
3
Baltimore, MDMSA
Volume: 155Mix: 15.44%
Place Specialization
Strong
4
Frederick, MDMSA
Volume: 55Mix: 5.48%
Place Specialization
Strong
5
Winchester, VA, VA-WVMSA
Volume: 28Mix: 2.79%
Place Specialization
Strong
6
Hagerstown, MD-WVMSA
Volume: 27Mix: 2.69%
Place Specialization
Sound
7
Richmond, VA, VAMSA
Volume: 29Mix: 2.89%
Place Specialization
Sound
8
Orlando, FLMSA
Volume: 29Mix: 2.89%
Place Specialization
Sound
9
Jacksonville, FL, FLMSA
Volume: 17Mix: 1.69%
Place Specialization
Sound
10
Tacoma, WAMSA
Volume: 11Mix: 1.10%
Place Specialization
Sound
Showing 10 of 11 metro areas
Top States by Place Specialization Score
1
MDState
Volume: 408Mix: 40.64%
Place Specialization
Exceptional
2
VAState
Volume: 378Mix: 37.65%
Place Specialization
Exceptional
3
FLState
Volume: 83Mix: 8.27%
Place Specialization
Sound
4
WAState
Volume: 29Mix: 2.89%
Place Specialization
Sound
5
WVState
Volume: 18Mix: 1.79%
Place Specialization
Sound
6
NCState
Volume: 22Mix: 2.19%
Place Specialization
Sound
7
TXState
Volume: 18Mix: 1.79%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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